Called purchasing dealer about a VSA (Vehicle Service Agreement)...turns out I have one. I don't remember it being discussed.

[plukaz]

I can only surmise that I missed it because I was in need of a new vehicle and stressed about that, and worn down from dealing with the sales person and the people there that were trying to sell me insurance.

At the end of the day I have no way of proving fraud was involved.

What you described is a type of fraud, often called deceptive sales practices, but Attorney Generals don't typically want to pursue it. I'm so thankful that there are several good dealerships in my area that, while they push the VSA, it's not intense. Take your business elsewhere - dealers make as much from maintenance and warranty work as the initial sale.

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[Dr_Al]

For what it’s worth, I just sold my 2025 Pro that I purchased in April of last year. It had almost 18,000 miles on it and I received 81.2% of my extended warranty back as a refund.

I would definitely call Toyota financial, get transferred to that department and you will be able to get a lot of that back. I’m not sure about the other things that were jammed in there on you, but it’s worth checking out.

Think about that. You didn't even come close to using up the original factory warranty. No 3 years, no 36,000 miles. So that VSA wasn't on the hook for anything yet. However you paid almost 20% for insurance that hadn't taken effect yet.

 

[glocke12]

Think about that. You didn't even come close to using up the original factory warranty. No 3 years, no 36,000 miles. So that VSA wasn't on the hook for anything yet. However you paid almost 20% for insurance that hadn't taken effect yet.

yeah, im calling Monday to see about that.

the problem is this though, the place that is recommended to me to buy a Toyota warranty from (FD direct or whatever it is) is not returning emails for pricing information.

Before I knew I already had a VSA I reached out to that person ( I think my initial contact was this past Monday ) and I have not heard a peep.

Who else offers a 100k Toyota VSA/warranty for a reasonable price ?

 

[zgreen]

Think about that. You didn't even come close to using up the original factory warranty. No 3 years, no 36,000 miles. So that VSA wasn't on the hook for anything yet. However you paid almost 20% for insurance that hadn't taken effect yet.

Yup. The extended warranty's starting at the date of the purchase of the vehicle is definitely a scam...

 

[Wandering Sagebrush]

IIRC, the extended warranty I purchased for the 4Runner that went out to 8 years and 125k miles was around $1600 and change, with zero deductible (?). Considering the expense of repair on modern vehicles, I look at this as cheap insurance.

I had a 2014 F350 6.7 that lost the EGR valve and turbo at about 5 years and 70k miles. The repair was over $6,000. Had I purchased an extended warranty, it would have been significantly less out of pocket.

 

[DI Transplant]

We bought the platinum 8 year 100k mileage extended warranty with my wife's 2025 Grand Highlander. We negotiated it down to $2,100. The Grand Highlander had the 2.4L turbo 4 with 8speed transmission and seems the same as the 4Runner. I would assume VSA pricing to be similar. The agreement states you can cancel it after purchasing but didn't look too much into that.

Before going into the dealer we got some quotes for warranty plans which saved us thousands compared to Toyota's initial offers. After 15-20 minutes the Toyota price eventually came down. One I remember was Granger Warranty which you can get a quote for on-line.

 

[HVLA]

I guess the lesson here is to pay attention to what you are signing which apparently I did not do.

I bought my 2025 TRD ORP in August of 2025, I really have no recollection of a VSA being discussed, nor a maintenance plan. I am not saying they weren't discussed, I just don't recall them being mentioned and I am pretty sure I would have declined them given the prices I apparently paid for them.


I am at 18k miles on this vehicle and started calling around about getting a VSA/extended warranty before I hit 36k, so my first call was to the dealer I purchased it from who looked up my information and said I already had one and paid over 5k for it.

To confirm this I went to the Toyota VSA site and put my VIN number in and apparently I have the following items.

Prepaid Maintenance (PPM)
Active

Exp. 08/06/2030

Policy Number621151xy
Coverage Code-
Plan Code-
Purchase Price$1,360.00
Coverage (through 08/06/2030)
Contract Start Date08/06/2025
Effective On08/06/2025
Expires On08/06/2030

Vehicle Service Agreement (VSA)
Active

Exp. 08/06/2032

Policy Number621151xy
Coverage Code-
Plan Code-
Purchase Price$5,149.00
Coverage (through 08/06/2032)
Contract Start Date08/06/2025
Effective On08/06/2025
Expires On08/06/2032

Guaranteed Auto Protection (GAP)
Active

Exp. 11/06/2031

Policy NumberN5047xy
Coverage Code-
Plan Code-
Purchase Price$1,200.00
Coverage (through 11/06/2031)
Contract Start Date08/06/2025
Effective On08/06/2025
Expires On


I am fairly positive I never would have agreed to any of that and they snuck those in at the end.

Nothing to be done about it now, it is what it is but what exactly do I have here ? There are no plan codes associated with those, I have no documentation anywhere other than the bill of sale that lists them on the 2nd or 3rd page.

Can you cancel and maybe get back $87??

 

[glocke12]

Can you cancel and maybe get back $87??

I called on Monday and cancelled all that crap and threatened them with an AROCKing if it didn't happen

I'm getting ~5.5k back it ( or rather that amount will be deducted from my loan ).

Also finally heard back from the f-d warranty guy...he quoted me much more reasonable toyota VSA prices....

 

[HVLA]

I called on Monday and cancelled all that crap and threatened them with an AROCKing if it didn't happen

I'm getting ~5.5k back it ( or rather that amount will be deducted from my loan ).

Also finally heard back from the f-d warranty guy...he quoted me much more reasonable toyota VSA prices....

Getting back $5,500 is awesome! See you on the "otherside".

 

[ThatSickRIp]

I called on Monday and cancelled all that crap and threatened them with an AROCKing if it didn't happen

I'm getting ~5.5k back it ( or rather that amount will be deducted from my loan ).

Also finally heard back from the f-d warranty guy...he quoted me much more reasonable toyota VSA prices....

Nice to see you got both...

Blading at 45 couldve made this situation memorable though

 

[HVLA]

Nice to see you got both...

Blading at 45 couldve made this situation memorable though

Or a shower cookie after you finish your chili with no beans of course.

 

[ThatSickRIp]

Or a shower cookie after you finish your chili with no beans of course.

We truly are everywhere

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